经络：10月MMI报3.38% 料HIBOR年尾前反复徘徊于3%水平

Core Viewpoint - The mortgage rate index (MMI) in Hong Kong has decreased to 3.38% in October, reflecting a 14 basis point drop from the previous month after three consecutive months of increase [1] Group 1: Mortgage Rate Trends - The MMI, which indicates the actual interest rates available to new mortgage customers, reported a decrease of 14 basis points to 3.38% in October [1] - The average one-month HIBOR was reported at 3.5% in October, but banks in Hong Kong lowered their best lending rates by a total of 25 basis points in September and October, resulting in a new capped interest rate of 3.25% for new mortgage owners [1] - As of November 26, the one-month HIBOR was at 2.98%, and it is expected to fluctuate around the 3% level due to year-end factors [1] Group 2: Economic Influences - The U.S. job market is deteriorating, leading to expectations that the Federal Reserve may implement a preventive rate cut of 25 basis points in the upcoming meeting [2] - The future trajectory of HIBOR will depend on capital flows; if more funds flow into Hong Kong, HIBOR may challenge levels below 2%, potentially allowing mortgage owners to secure rates lower than the capped rate [2]